Honda Ridgeline Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 2, 2024

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Wondering how much should I pay for a Honda Ridgeline insurance plan? Average Honda Ridgeline insurance rates are $1,498 a year, or $124 a month. Read on to learn what drivers can do to save on insurance for Honda Ridgeline vehicles.

Use our free comparison tool above to start comparing Honda Ridgeline insurance costs.

Average insurance prices for a Honda Ridgeline are $1,498 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $336, collision costs $562, and liability is estimated at $420. A policy with just liability insurance costs approximately $494 a year, with coverage for high-risk drivers costing $3,220 or more. Teenage drivers receive the highest rates at $5,540 a year or more.

Average premium for full coverage: $1,498

Rate estimates by individual coverage type:

Comprehensive $336
Collision $562
Liability $420

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Ridgeline trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from the cheapest price of $494 for just liability coverage to a much higher rate of $3,220 for a driver who requires high-risk insurance.

Liability Only $494
Full Coverage $1,498
High Risk $3,220

Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,124
Small Cities $1,573
Large Cities $2,022

These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below illustrates estimated Honda Ridgeline insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $872
  • Choosing higher $1,000 deductibles can save $204 each year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,498
  • Using more expensive low deductibles for comp and collision coverage costs an extra $396 annually
  • Higher-risk drivers who are prone to accidents and violations could pay around $3,220 or more
  • The cost to insure a 16-year-old driver with full coverage can cost $5,540 each year

View Chart as Image

Honda Ridgeline insurance cost comparison chart
Column chart showing full coverage Honda Ridgeline insurance prices range from $872 to $5,540

Insurance rates for a Honda Ridgeline can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Ridgeline.

Using high physical damage deductibles can save as much as $600 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $378 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,400 additional per year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Ridgeline insurance prices. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,020 on average in Florida, New York, and Michigan.

Honda Ridgeline Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,352 -$146 -9.7%
Alaska $1,150 -$348 -23.2%
Arizona $1,246 -$252 -16.8%
Arkansas $1,498 -$0 0.0%
California $1,708 $210 14.0%
Colorado $1,430 -$68 -4.5%
Connecticut $1,538 $40 2.7%
Delaware $1,696 $198 13.2%
Florida $1,874 $376 25.1%
Georgia $1,384 -$114 -7.6%
Hawaii $1,074 -$424 -28.3%
Idaho $1,018 -$480 -32.0%
Illinois $1,116 -$382 -25.5%
Indiana $1,130 -$368 -24.6%
Iowa $1,010 -$488 -32.6%
Kansas $1,422 -$76 -5.1%
Kentucky $2,044 $546 36.4%
Louisiana $2,218 $720 48.1%
Maine $926 -$572 -38.2%
Maryland $1,236 -$262 -17.5%
Massachusetts $1,196 -$302 -20.2%
Michigan $2,600 $1,102 73.6%
Minnesota $1,254 -$244 -16.3%
Mississippi $1,796 $298 19.9%
Missouri $1,330 -$168 -11.2%
Montana $1,608 $110 7.3%
Nebraska $1,182 -$316 -21.1%
Nevada $1,796 $298 19.9%
New Hampshire $1,082 -$416 -27.8%
New Jersey $1,674 $176 11.7%
New Mexico $1,324 -$174 -11.6%
New York $1,576 $78 5.2%
North Carolina $862 -$636 -42.5%
North Dakota $1,226 -$272 -18.2%
Ohio $1,034 -$464 -31.0%
Oklahoma $1,538 $40 2.7%
Oregon $1,374 -$124 -8.3%
Pennsylvania $1,428 -$70 -4.7%
Rhode Island $2,000 $502 33.5%
South Carolina $1,360 -$138 -9.2%
South Dakota $1,264 -$234 -15.6%
Tennessee $1,310 -$188 -12.6%
Texas $1,804 $306 20.4%
Utah $1,108 -$390 -26.0%
Vermont $1,026 -$472 -31.5%
Virginia $898 -$600 -40.1%
Washington $1,154 -$344 -23.0%
West Virginia $1,374 -$124 -8.3%
Wisconsin $1,038 -$460 -30.7%
Wyoming $1,334 -$164 -10.9%

View Chart as Image

Honda Ridgeline insurance rates by U.S. city

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Honda Ridgeline Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Ridgeline RT 4WD $1,408 $117
Honda Ridgeline RTS 4WD $1,454 $121
Honda Ridgeline RTL 4WD $1,498 $125
Honda Ridgeline RTL W/Navigation 4WD $1,542 $129

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Honda Ridgeline Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Ridgeline $336 $562 $420 $1,498
2023 Honda Ridgeline $320 $542 $440 $1,482
2022 Honda Ridgeline $306 $536 $450 $1,472
2021 Honda Ridgeline $296 $524 $470 $1,470
2020 Honda Ridgeline $286 $502 $486 $1,454
2019 Honda Ridgeline $270 $484 $500 $1,434
2018 Honda Ridgeline $260 $450 $510 $1,400
2017 Honda Ridgeline $250 $424 $514 $1,368
2016 Honda Ridgeline $240 $380 $520 $1,320
2014 Honda Ridgeline $216 $328 $524 $1,248
2013 Honda Ridgeline $210 $306 $534 $1,230
2012 Honda Ridgeline $194 $284 $534 $1,192
2011 Honda Ridgeline $190 $258 $540 $1,168
2010 Honda Ridgeline $176 $236 $534 $1,126
2008 Honda Ridgeline $162 $192 $530 $1,064
2007 Honda Ridgeline $158 $188 $520 $1,046
2006 Honda Ridgeline $156 $178 $510 $1,024

Rates are averaged for all Honda Ridgeline models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Honda Ridgeline Insurance

Saving money on insurance for a Honda Ridgeline takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a recap of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk that have major violations or accidents may have to pay on average $1,720 more per year for car insurance
  • Teenagers are the costliest to insure, costing up to $462 per month if full coverage is included
  • It is possible to save around $180 per year simply by shopping early and online
  • Increasing deductibles could save as much as $600 each year
  • It is possible to save around $180 per year simply by shopping early and online

Honda Ridgeline pricing on car insurance can vary based on your age and driving record. The best way to save and find affordable Honda Ridgeline car insurance is to use rate comparison tools and find the best Honda Ridgeline insurance quotes for you.

Doing so will allow you to compare different model years, such as the 2017 Honda Ridgeline vs the 2019 model cost to own, or to compare different trim levels, such as 2009 versus 2011 Honda Ridgeline trim levels.

While rate comparison won’t help you find out the Honda Ridgeline depreciation or the Honda Ridgeline 5-year cost to own, it will help you find savings immediately. So if you are ready to start saving on Honda Ridgeline insurance maintenance costs, enter your ZIP code in our free tool below.

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What are the safety ratings of the Honda Ridgeline?

Is the Honda Ridgeline worth buying? If a car doesn’t have good safety ratings and features, it isn’t worth your time. So if you looking for a 2020 Honda Ridgeline for sale, check the safety rating first. Poor safety ratings and features not only mean you are less safe, but it also means higher insurance rates.

Luckily, the Honda Ridgeline has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist. The Honda Ridgeline safety ratings are also great, as the Insurance Institute for Highway Safety (IIHS) gave the Honda Ridgeline a 2019 Top Safety Pick award.

Take a look at the Honda Ridgeline’s crash test ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Acceptable
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

The video below shows one of the IIHS’s crash tests on the Honda Ridgeline.

Honda Ridgeline Compared Against Other Vehicles in the Same Class

The Honda Ridgeline is a large pickup, which means it may have slightly higher liability insurance rates. Why? Larger vehicles are more likely to do significant damage to other vehicles in a crash.

Want to better understand how the Honda Ridgeline’s rates compare to other large pickups’ rates? View the large pickups below.

Ready to start saving on Honda Ridgeline insurance rates? Use our free rate comparison tool to find the best Honda Ridgeline rates in your area.

Rates by Driver Age

Honda Ridgeline Insurance Rates by Driver Age
Driver Age Premium
16 $5,540
20 $3,436
30 $1,562
40 $1,498
50 $1,368
60 $1,340

Full coverage, $500 deductibles

Rates by Deductible

Honda Ridgeline Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,894
$250 $1,710
$500 $1,498
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Honda Ridgeline Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,498
50/100 $1,626
100/300 $1,731
250/500 $2,004
100 CSL $1,668
300 CSL $1,899
500 CSL $2,067

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Ridgeline Insurance Rates for High Risk Drivers
Age Premium
16 $7,898
20 $5,454
30 $3,292
40 $3,220
50 $3,070
60 $3,044

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $76
Homeowner $22
5-yr Accident Free $108
5-yr Claim Free $95
Paid in Full/EFT $68
Advance Quote $73
Online Quote $105
Total Discounts $626
Rate after discounts $872

Discounts are estimated and may not be available from every company or in every state.

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